¹ KKF.org, Average Annual Deductible per Enrolled Employee in Employer-Based Health Insurance for Single and Family Coverage, 2020

² Healthcare Cost and Utilization Project, Costs of Emergency Department Visits in the United States, 2017

³ CDC.gov, Emergency Department Visits, 2022

^{4, 6, 9, 10, 11} 2021 Guardian Workplace Benefits Study

⁵ Healthcare.gov, High Deductible Health Plan, 2022

⁷ AJPJ, Medical Bankruptcy: Still Common Despite the Affordable Care Act, 2019

⁸ Benefits Optimization, Guardian, 2020

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